You're already spending it

$50 here. $75 there. $40 somewhere else.
Why not toward your debt?

ClearPath tells you exactly what's safe to put toward your debt today, before you spend it on something you don't need.

10:24

Hello

Sunday, April 19

Balance: $2,972

SAFE TO DEPLOY

$942

available to deploy toward debt

INCOME

$9,392

GOING OUT

$6,322

DEBTS

0% toward debt-free

Interest Saved $102

Debt Eliminated $2,417

Why the balance lies

Your balance shows one number. Most of it's already spoken for.

Your account shows one number — but a chunk of it is already committed, and you can't tell which chunk. So every dollar feels risky, and the debt never moves.

Upcoming this week

RentFri −$1,200

Phone billThu −$430

Paycheckpending +$2,800

It's already claimed

Rent clears Friday. The phone bill hits Thursday. The paycheck you're counting on hasn't landed. It's committed — it just hasn't left your balance yet.

Balance

$2,972

? which part is safe to spend?

You can't tell which is which

Looking at one number, your eyes can't separate what's claimed from what's actually free. So every dollar feels risky to touch.

Credit card $8,400

At minimum-payment speed: 6+ years to clear

So the debt just sits

Afraid you'll need it next week, you send $50. Or nothing. The balance crawls down while you wait for a certainty that never comes.

ClearPath separates claimed from free.

It tracks everything coming in and everything already owed — including what hasn't hit yet — sets the claimed money aside, and shows you only what's genuinely left. That leftover is what's safe to throw at your debt, and it stays current as your money moves.

Your balance $2,972

Claimed · $2,030 Free · $942

Rent−$1,200

Bills−$430

Groceries til payday−$300

Emergency floor−$100

Safe to deploy $942

Why it works

Manageable payments, every week.

When you know what's safe, the fear's gone — and because your bills and buffer come first, sending it is never a gamble. Small, consistent payments compound: every safe dollar is extra principal that pulls your payoff date forward.

Week 1

$120

Week 2

$340

Week 3

$210

Week 4

Week 5

$942

Week 6

$190

Week 7

$420

Week 8

$280

Deployed

$2,502

Above and beyond your minimums

Payoff moved
11 months
Closer than when you started

Interest avoided
$2,840
Money you keep, not the bank

What protects you

The safety net under every number.

Before ClearPath shows you a number, it's already set aside what's real and what could go wrong. Here's what stands guard.

Live balance · synced

$2,972

Chase •••• 4291 ↻ just now

Every number built on what's actually there

Built on what's real

Pulled live from your bank through Plaid and kept current — so your number's built on what's actually there, not a stale guess.

Emergency floor $500

Always kept in your account. Your surplus is only ever counted above it.

Emergency Floor

A cushion ClearPath never touches — set $500, $1,000, whatever feels safe. Your surplus is only ever counted above it.

Electric bill reserved

Usual amount$90

+ spike buffer$20

Reserved before surplus$110

Bill Spike Buffer

ClearPath pads every bill before counting your surplus — so when a month runs hot, it's already absorbed. No nasty surprises.

How we're different

You don't need another budgeting app.

Budgeting apps look backward. They total where your money went last month and what you could've saved. ClearPath looks forward. Every week, it shows you what's safe to put toward your debt right now, while you can still act on it.

ClearPath Looks forward

This week

Safe to deploy $942 →

The exact move to make — right now, while you can.

Budgeting app Looks backward

Last month

Groceries$612

Dining out$280

Shopping$195

A report on where it already went.

You can see the money.
Now see what's safe to deploy.

In minutes, ClearPath tells you exactly what's safe to put toward debt every week, so you're out of debt months or years sooner.

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$50 here. $75 there. $40 somewhere else.Why not toward your debt?